COMMUNITY FINANCIAL SYSTEM, INC.

Administration of employee welfare benefit plans concerning insurance and finance; Banking and financing services; Banking services; Consulting services in the field of state and federal employee benefit plans concerning insurance and finance; Financial administration of employee pension plans; Financial risk management; Financial services, namely, wealth management services; Insurance brokerage services; Processing, administering and managing employee benefit plans concerning insurance and finance; Trust services, namely, investment and trust company services; Mobile banking services; On-line banking services